I recently wrote a short article on Trulia asking how real estate agents are choosing a credit repair company. I gave a few of my opinions too.
I had a few responses in my mailbox asking how we stack up to the questions that we asked others to ask of their credit restoration companies. Here are my answers:
What process do we use to help clients?
We dispute directly with the debt collector or creditor that is appearing on the credit report of our client. We rarely dispute or deal with the credit reporting agencies.
We find our process often to be:
- can faster
- provide accurate documentation
- provide proof an issue was resolved for good
Process Time Frame
We are finished in under 120 days for most clients.
We take an initial legal fee up front based on the total quoted fee and can allow payment plans.
If an item is not resolved:
If an item is not resolved to the client’s satisfaction and a client still disagrees with the outcome we can file a lawsuit against the creditor or debt collector. A client may have more options depending on the circumstances.
The security of our client’s data is very important to us. We work hard to maintain the highest security standards that we can.
- All of our offices maintain high security standards:
- Digital Survellance 24 hours
- Secure outer office doors
- All individual offices are locked when not occuppied
- All filing cabinets are locked when not in use.
- Employees are not allowed to leave out customer files.
- Employees lock note folders in office nightly.
- Closed Files are locked in separate room
- HIPPA and PCI compliant data and server storage
- State of the art email and computer intrusion and virus detection software
- Employees can not remove or download customer data from system
- Our software and data are backed up every 3 hours in house digital server and every 24 hours via remote 448-bit secure HIPAA compliant encryption.
Our employees are trained monthly on data security. Many of our employees and all leadership roles have been HIPAA trained certified.
Our employees are pre-screened in the employment process. We pull credit reports twice a year on all employees and do criminal backgound checks on all employees once a year. Employees are screened carefully and they can not have been involved in any financial crime no matter how small.
Yes, we have several locked shredding bins located around the office with a regular outside shredding service.
Who Does the work?
All employees are W-2 wage earners employed by the company. We do not use contract processors or staff. We do not outsource work to other countries. All work is done internally by our staff. Come visit us.
- When an employee is hired they spend the first week obtaining a crash course in credit, credit repair, and credit related laws created by the firm.
- All employees are required to attend the Monday meeting where continuing education is a priority.
- We employ 4 outside firms to credentialize and do continuous web based training of our employees. (AllRegs for FICO, CDIA for FCRA, FDCPA Certifications for FDCPA, and Inspired Learning for data security and HIPAA compliance)
All employees have been us for at least 2 years. Over half of our employees have been with us for over 10 years.
Our employees are pre-screened in the employment process. We pull credit reports twice a year on all employees and do criminal backgound checks on all employees once a year. Employees can not have any convictions for financial crimes.
About the company
The Pettit Law Firm has been assisting credit clients since 2013. The credit processing team has been a unit since 2003. In 2013, Julie Pettit left the Henley & Henley PC law firm to open her own law firm. She hired the credit processing team to work for her new firm. The credit processing team has worked with the following firms since 2003:
- Ciarochi Law Firm PLLC (2003 to 2009)
- Henley & Henley PC (2009 to 2013)
- The Pettit Law Firm (2013 to Present)
Julie Pettit is licensed to practice law in the State of Texas. See the State Bar of Texas here.
What lead our staff to get in to credit field
I got into the credit field out my own necessity. I owned a previous company that I had guaranteed a large debt. My client declared bankruptcy before I could get paid and I was on the hook for a large debt I could not repay. Having never been in this situation before, I did not know what to do. So I turned to a friend that is an attorney. He helped me resolve my creditor issues without declaring bankruptcy. My credit was restored quickly limiting my negative impact. In 2003, we began working for his law firm showing others the way out like I had been shown. I do enjoy helping others achieve their goals but the real reason I do what I do is I like to win. This job offers me plenty of opportunity to have that adrenaline rush from winning daily.